A better mortgage starts with a better conversation.
Whether you're buying, moving, remortgaging or dealing with more complicated circumstances, we'll help you understand your options, search the right lenders and guide you from first conversation to completion.
A better mortgage conversation
Straightforward when it can be. Specialist when it needs to be.
90+
Lenders
Reviews
Customer feedback
Free
Initial advice
FCA
Regulated
Start here
What are you looking to do?
Choose the route that best describes what you need. If you're not sure, just speak to us — that's what we're here for.
First-Time Buyer
Buying your first home? Understand your budget, options and next steps.
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Moving Home
Planning your next move? Get clear on your borrowing options before you offer.
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Remortgage
Your current deal ending? Explore your options early and plan your next move.
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Buy-to-Let
Starting or growing a portfolio? Explore the right mortgage route for your plans.
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Self-Employed
Company director, sole trader, contractor or CIS? We understand different lender criteria.
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Adverse Credit
CCJs, defaults or missed payments? We can look beyond a simple credit score.
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Commercial Mortgages
Business premises, commercial property or investment? Speak to our specialist team.
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Bridging & Development Finance
Short-term finance, property development or a time-sensitive purchase? Let’s discuss the route.
Explore →Simple, supportive advice
How Option Finance works
A clear route from your first conversation to your mortgage application and beyond.
Tell us what you need
Share your plans, budget and circumstances with one of our advisers. Your initial conversation is free.
We find suitable options
We assess your circumstances, explore our lender panel and explain our recommendation in plain English.
We guide you to completion
We support your application, keep you informed and help you through the process to completion.
A broad lender panel
More lenders. More options.
We explore options across 90+ high-street and specialist lenders.
Lender availability and eligibility depend on your circumstances and lender criteria.
Free tools
Get a clearer picture before you apply.
Quick calculations to help you understand your numbers before you speak to an adviser.
Independent feedback
Don't just take our word for it.
See independent customer feedback on Trustpilot, then speak to us about your own circumstances.
Customer feedback
Real experiences. Real customers.
See what customers have said about their experience with Option Finance, and find out why people recommend our team.
Read customer reviews →Real people
Meet the people behind your mortgage.
Get to know the people who help you explore mortgage options, manage your application and stay informed from start to finish.
Questions
Mortgage questions, answered.
Why use a mortgage broker? +
Can you help if my circumstances are complicated? +
How much deposit do I need? +
Do I have to pay to speak to you? +
Get rate drop alerts
Be the first to know when mortgage rates fall. We'll email you when lenders cut their rates so you never miss a deal.
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Ready when you are
Let's work out your mortgage options.
Tell us a little about what you're looking to do. Your initial conversation is free and there is no obligation to proceed.
Get matched
Tell us what you need.
It takes a couple of minutes to get started. No obligation.
Not sure where to start?
Call our team and have a conversation about your circumstances. We'll help you work out the next step.